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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,031 | $112,935-56.6% | $90,970-46.1% | $158,966-69.2% |
| Participation rate | 86.4% | 74.7%+11.6pp | 69.0%+17.3pp | 82.0%+4.4pp |
| Annual return | 16.47% | 215.79%-199.3pp | 134.58%-118.1pp | 302.95%-286.5pp |
| Employer contribution / active EE | $976 | $2,895-66.3% | $2,122-54.0% | $4,762-79.5% |
| Participant deferral / active EE | $5,587 | $4,129+35.3% | $3,373+65.6% | $5,983-6.6% |
| Admin fee / account holder | $1,122 | $8,045-86.1% | $5,960-81.2% | $11,250-90.0% |